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American Express offers a wide range of credit cards<\/a> for both individuals and small businesses. The card issuer recently introduced a pre-approval feature<\/a> that allows applicants to find out if they\u2019re approved for personal credit cards with just a soft credit check<\/a>.<\/p>\n But while the card issuer can make decisions immediately, it\u2019s not a guarantee. If your application for an Amex credit card is pending, here\u2019s what you can do.<\/p>\n <\/p>\n <\/p>\n It should take you less than 10 minutes to complete a credit card application online, especially if you have all of the required information on hand.<\/p>\n You\u2019ll need to provide the following details:<\/p>\n You\u2019ll then review the terms and conditions for the card you\u2019re applying for and agree to submit your application. If you\u2019re applying for a personal credit card, Amex will process your application, perform a soft credit inquiry and tell you whether you\u2019ve been approved, usually within 60 seconds.<\/p>\n If you\u2019ve been approved and you accept the card, Amex will complete the process and perform a hard inquiry to provide you with a credit limit.<\/a><\/p>\n If you\u2019re applying for a small business credit card, submitting an application will result in a hard inquiry, whether or not you\u2019re approved. Again, it typically takes 60 seconds to get a response, which can be an approval, a denial or a pending application.<\/p>\n If you don\u2019t receive an immediate approval or denial, it means the card issuer needs to review certain information to make a decision. Depending on the circumstances, Amex may reach out to you and ask you some additional questions.<\/p>\n To see where you are in the process, you can visit the application status page<\/a> and provide your Social Security number and zip code.<\/p>\n Here, you\u2019ll see your most recent and possibly even previous applications for Amex credit cards and loans, along with the current status and any required actions. Alternatively, you can call American Express at 877-239-3491.<\/p>\n The card issuer will give you an immediate decision after you submit your application. If you\u2019re approved, you\u2019ll typically receive a confirmation shortly after submission. If your application is pending, you can use the application status page or call the application status hotline to find out if you\u2019ve been approved.<\/p>\n If you\u2019ve been denied<\/a>, you can appeal the decision by calling 800-567-1083, and a representative will review your application manually.<\/p>\n Because American Express typically takes less than a minute to process credit card applications, it\u2019s virtually impossible to cancel if you\u2019re doing it online. If you\u2019re applying over the phone, you may be able to cancel the application before the representative submits it for underwriting.<\/p>\n Fortunately, if you\u2019re applying for an American Express personal credit card, you can submit your application without worrying about a hard credit check. If you change your mind after you\u2019re approved, you can simply decline to accept the card without any impact on your credit score<\/a>.<\/p>\n If you get approved for a small business credit card, however, or you accept a personal credit card, your account has already been opened, and you\u2019d need to close the account to cancel the card<\/a>.<\/p>\n No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.<\/p>\n<\/div>\n<\/div>\n<\/div>\n Today\u2019s technology makes it easy to get a quick decision on your online credit card applications. But if your Amex application is pending, it\u2019s also easy to check the status and speak to a representative about what you can do. If you end up being denied, you\u2019ll be able to call the application status hotline and get a reason for the denial, and you can even chat with someone and appeal the decision.<\/p>\n As with any financial product, think carefully about your options before you apply for an Amex credit card. Shop around and compare multiple credit cards<\/a> based on your spending habits and preferences to determine which one is the right fit for you.<\/p>\n <\/p>\nCompare American Express Credit Cards<\/h2>\n<\/div>\n
How Long Does an Amex Application Take?<\/h2>\n
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How To Check My American Express Credit Card Application Status<\/h2>\n
How Do I Know If My Amex Application Is Approved?<\/h3>\n
How To Cancel an Amex Application<\/h2>\n
Find The Best Credit Cards For 2023<\/h2>\n
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